Payday loans in Oklahoma City, Oklahoma |
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Payday loans in Oklahoma City, Oklahoma

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Learn about the fees and restrictions around payday lending in Oklahoma City.

Anyone can get in a tight financial spot, and if you have poor credit, a payday loan may be what you need. Before you borrow, it’s important to understand what comes with a short-term loan. Our guide below can help.

Check into Cash Payday Loan

Check into Cash Loans

Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Min. Loan Amount: $50
  • Loan Term: Varies by state
  • Turnaround Time: 1–2 business days
  • Total Costs: Varies depending on the amount and your state of residency.
  • Must be 18+
  • No security needed
  • Confidential and secure

    What state laws impact lending in Oklahoma City?

    Oklahoma Statutes Title 59 §§ 3101 et seq., the Oklahoma Deferred Deposit Lending Act, dictates how much you can borrow and the terms lenders can give. You can borrow up to $500 for terms lasting between 12 to 45 days, and Oklahoma allows you to have up to two outstanding loans at any given time.

    There are more important laws you should know before you borrow

    The cost of a payday loan in Oklahoma City

    Oklahoma sets the amount a lender can charge as a financing fee by the amount you borrow. Amounts less than $300 are charged a financing fee of $15 per $100 borrowed. Amounts between $301 to $500 are charged a financing fee of $10 per $100.

    This means a loan of $400 will have a financing fee of $55. That’s $45 for the first $300 and $10 for the last $100. Of course, this amount doesn’t include any database fees or extra charges, so be sure to read the fine print of your contract before you sign.

    A list of online lenders that operate in Oklahoma City

    Rates last updated June 20th, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    ACE Cash Express Payday Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
    LoanByPhone Payday and Installment Loans
    This mobile lender offers convenient cash loans. Apply online or by phone.
    1–2 business days
    Must be 21 years old and have a Social Security number, a regular source of income, a valid email address, an active checking account and a phone number.
    With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
    Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.

    Compare up to 4 providers

    Benefits to taking out a payday loan

    • Loan cancellation date. If you decide you no longer want your loan, Oklahoma allows you to cancel your loan by 5 p.m on the following business day.
    • Payment plan available. After your third loan in a row, you can pay back your outstanding balance in four installments. However, you will also have to pay a fee of 10%, up to $15.
    • Quick processing times. When you apply online, you can expect to know if you’ve been approved within a few minutes. This means you can get your money faster–as soon as the next business day.

    Elijah's car needed multiple repairs

    Elijah’s car was having trouble getting him to and from work, and after a few months of repairs, his savings had completely dried up. The next repairs were going to cost him nearly $400, which he definitely didn’t have. He’d already maxed his credit card to cover earlier costs, and his bad credit meant he would have a difficult time getting approved for a personal loan.

    Upon the suggestion of his sister, Elijah applied for a $400 payday loan by visiting a local lender’s store. Since he had a decent job, he was approved for the loan. The contract stated that he would have to pay $55.56 as fees, which included a $0.56 database verification fee. Elijah left a postdated check of $455.56 with the lender.

    In two weeks, on the due date, the lender cashed the check. It cleared without any problem. Elijah was able to take care of his car repairs and pay off his loan without being charged any extra fees.

    This is what you’ll need to apply for a payday loan in Oklahoma City

    Before starting an application, you’ll need to have a steady source of income, be at least 18 years old and be a US citizen or permanent resident. Most lenders also require you have a regular checking account if you decide to apply online.

    You’ll have to fill out the application with some of your personal information. This includes

    • Your name, address, email and phone number
    • Your date of birth, Social Security number and your state-issued ID
    • Your employer’s name, address and phone number
    • Your gross monthly income

    Where to find a payday loan in Oklahoma City, Oklahoma

    Storefront locations in Oklahoma City

    • A-1 Loan Company. 331 NW 4th St, Oklahoma City, OK 73102
    • AAA Loan Service. 3401 S Western Ave # B, Oklahoma City, OK 73109
    • ACE Cash Express. 1425 SW 59th St, Oklahoma City, OK 73119
    • Advance America. 838 NW 12th St, Oklahoma City, OK 73160
    • Approved Cash. 7406 S Walker Ave, Oklahoma City, OK 73139
    • Cashland. 3013 SW 29th St, Oklahoma City, OK 73119
    • Check Into Cash. 432 SW 59th St #200, Oklahoma City, OK 73139
    • Check ‘n Go. 12233 N Pennsylvania Ave, Oklahoma City, OK 73120
    • EZ Money Payday & Title Loans. 4408 S Pennsylvania Ave, Oklahoma City, OK 73119
    • National Quik Cash. Britton Square, N May Ave & W Britton Rd, Oklahoma City, OK 73120

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    US Payday Loans Offers

    Important Information*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

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